So You Want to Buy a Home?

I invite you to allow me to assist you in finding the PERFECT home for you and your family!

This can be an exciting and sometimes frightening time,
especially if you are a first-time buyer.

I am here to help you through every step in the buying process.

We can begin the process with you calling me at 812-858-2400 or by EMAIL.

I can get a head start if you take a few moments to fill out the form below. This will give me guidence in locating the PERFECT property at a price you can be comfortable with.

New Construction Search

We match more buyers with builders than any other company in Indiana. Here are some of the services I will provide for you:

• I will assist you in selecting the lot, neighborhood and floor plan. These are three very important decisions that will help enhance your investment.

• I will assist you in evaluating the items that will help increase the resale value versus items that will not add value.

• I will explain the builder's warranty and builder's obligation under Indiana law.

• I will help you to secure the most competitive financing available for new construction.

Fixed - Rate Mortgage
The interest rate stays the same for the entire term of the loan usually 15 or 30 years, so the interest and principal portions of your monthly payment remain the same. Your payments are stable and predictable, but initial interest rates tend to be higher on a fixed rate mortgage than on adjustable rate loans.

Adjustable - Rate Mortgage (ARM)
The interest on an adjustable rate mortgage is linked to a financial index, such as a Treasury security, so your monthly payments can vary, up or down, over the life of the loan usually 30 years. Some adjustable rate mortgages have a cap on the interest rate increase to protect the borrower.

The lower initial payments on ARMs make it easier for buyers to qualify.

Adjustable - Rate Mortgage Terms
Adjustment Period: The length of time between interest rate changes on an ARM. For example, a loan with an adjustment period of one year is called a one year ARM, which means that the interest rate can change once a year.

Annual Percentage Rate (APR): The total finance charge (interest, loan fees, points) expressed as a percentage of the loan amount.

Cap: The limit on how much an interest rate or monthly payment can change, either at each adjustment or over the life of the mortgage.

Conversion Clause: A provision in some ARMs that enables you to change an ARM to a fixed rate loan, usually after the first adjustment period. The new fixed rate is generally set at the prevailing interest rate for fixed rate mortgages. This conversion feature may cost extra.

Index: A measure of interest rate changes used to determine changes in an ARMs interest rate over the term of the loan.

Margin: The number of percentage points a lender adds to the index rate to calculate the ARM interest rate at each adjustment.

I'll Help You FindYour Perfect Home!
I can help you find the house or property that you are looking for! By allowing me to work as your buyer's agent, and telling us exactly what you are looking for by answering the questions below, we can work as a team to locate the property that you want.

Your Name: (Required)
Your Email Address: (Required)
Your Street Address:
City:
State:
Zip:
Phone:
Fax:
When Do You Want To Move?
How Long Have You Been Looking?
Are You Currently Working With An Agent?	Yes No
Where Would You Like To Live?
What Is Your Price Range?
Number Of Bedrooms:
Number Of Bathrooms:
How Many Square Feet?
How Do You Want Us To Contact You?
Describe Your Perfect Home For Me:

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